tag:blogger.com,1999:blog-28126704644028792132024-02-07T18:14:08.283-08:00Debt Relief Infowadikhttp://www.blogger.com/profile/12601951589976168152noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-2812670464402879213.post-42346894476031743672012-03-03T07:03:00.000-08:002012-03-03T07:03:10.140-08:00How to take harassing calls from debt collectors?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVyIFzPPrfpO0DUXmxNgbRw0eKap4gGS5o9VaaWmLDxNvPyIaZJ9v9FOOZHU1sHdDIWOKdT6oM4NdcX8Stqp67WHvjFhIb4sJ_BpqdH5eygA3EOaZDYLuAWaB0QiH8aXyjPP-PWN1d2S3B/s1600/debt-debt-collector-2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="218" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVyIFzPPrfpO0DUXmxNgbRw0eKap4gGS5o9VaaWmLDxNvPyIaZJ9v9FOOZHU1sHdDIWOKdT6oM4NdcX8Stqp67WHvjFhIb4sJ_BpqdH5eygA3EOaZDYLuAWaB0QiH8aXyjPP-PWN1d2S3B/s320/debt-debt-collector-2.jpg" width="320" /></a></div>
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Before you have decided to take a debt relief program, you
probably have encountered harassing calls from creditors. And you will, still,
unless you face the challenge of telling them the real status of your finances.
Debt collection agencies have not failed striking fear and paralyzing those who
have tried controlling their finances. </div>
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But to be able to do this, you must first learn how to
control any collection actions which will be taken against you. The secret is
to NEVER IGNORE COLLECTION ATTEMPTS,DON’T GET ANGRY AND DON’T BE AFRAID. </div>
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You can practice answering calls from your creditors like a
pro so you may not sound defensive or offensive. You must project an image of
settlement and cooperation. Remember, it was you who chose to borrow money, you
must be civil enough to face them as the collection time comes in. So don’t be
accusatory or aggressive when dealing with collectors.</div>
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You should also have valuable knowledge on your financial
status and what you can afford to do before making payment commitments through
agencies. One of the most highly recommended tips is budgeting debt relief. </div>
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You may check contact logs on internet to track contacts
with debt collectors and creditors. With this, you will be able to take control
of your collection practices, be updated with the agreements you have made, and
show proof when debt collection attempts to go beyond the line. </div>
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And when asked by debt collectors, you should not be afraid
to tell them that you are still reviewing your debt relief options, when and
how you can afford to pay, and the time and day they can call you. This is
better than avoiding them. </div>Alnessahttp://www.blogger.com/profile/17394031079934012930noreply@blogger.com1tag:blogger.com,1999:blog-2812670464402879213.post-85588970443128581792012-02-27T08:51:00.000-08:002012-02-27T08:51:05.125-08:00Sleep soundly despite debt nightmares<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1wxDROu5DhI1Nmuxu86cjoIsDiGSsbfDhSwP9fZ0ZCS-IfsdbyXS-xU1R8_-VI1YcGO7dbEdViw7RIDjw-4Rox1RiIA5lxmEzsSqKNe0eNIhmxups8O2m_bGBvEa_nX8lL8BhUZTXmJSW/s1600/debt-settlement-companies.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1wxDROu5DhI1Nmuxu86cjoIsDiGSsbfDhSwP9fZ0ZCS-IfsdbyXS-xU1R8_-VI1YcGO7dbEdViw7RIDjw-4Rox1RiIA5lxmEzsSqKNe0eNIhmxups8O2m_bGBvEa_nX8lL8BhUZTXmJSW/s320/debt-settlement-companies.jpg" width="320" /></a></div>
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Can’t sleep from having too much card debt and not knowing
how to pay all these? Some of you have thought of turning to debt relief
programs which may ease your burden. Sure, most companies you see on tv’s or
newspapers are honest and legitimate with all their promises, but many of them
are scams. In fact, even if some are not entirely scams, they try to conceal
you with the real deal until it’s closed. So, if you really want to have a good
night sleep, be sure you made the right choice of a debt relief company.</div>
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Let’s talk about tips on how to avoid getting ripped off by
an unethical company. Here are some warning signs:</div>
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These companies do not ask you many questions. Well, they
don’t really care what you need as long as they get you signed up with their
program. </div>
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In relation to that, they also do not give too many answers.
These companies hurry you up to signing their relief program without making
sure it’s the best solution for you. This indicates they want a commitment as
soon as possible.</div>
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And probably one of
the most dangerous signs an unethical company present is making you feel that
getting out of debt is easy. </div>
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But remember that serious things such as getting out of debt
will be hard. The debt relief concept is easy to understand. But it takes work
to change your spending habits and paying debts for years. If you’re starting
to be scared by now, don’t be. You just need to ask questions and know which
questions to ask to determine the right relief program for you. </div>Alnessahttp://www.blogger.com/profile/17394031079934012930noreply@blogger.com0tag:blogger.com,1999:blog-2812670464402879213.post-91914477236371785812012-02-20T07:05:00.000-08:002012-02-20T07:05:48.650-08:00Debt offering of Fidelity and a look on your credit score<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY_RHDQmEjWNdo6e3pnIWAjmecY-HqelpDLK2YLsx-t66nmqk7qW0WzXbRbQBhhJq4buRKFEv-4AOhQhBwFDN-IrQXWuaQrVE6eBeqeytKpD0dNQjwGiebTC_aWH8CGgL3hi_EPYNpJ6iE/s1600/Debt+offering+of+Fidelity+and+a+look+on+your+credit+score.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY_RHDQmEjWNdo6e3pnIWAjmecY-HqelpDLK2YLsx-t66nmqk7qW0WzXbRbQBhhJq4buRKFEv-4AOhQhBwFDN-IrQXWuaQrVE6eBeqeytKpD0dNQjwGiebTC_aWH8CGgL3hi_EPYNpJ6iE/s320/Debt+offering+of+Fidelity+and+a+look+on+your+credit+score.jpg" width="320" /></a></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Edward C. Johnson III, Chairman of Fidelity, together with
his family and executives of senior management are currently gripping the
largest part of influence as they have acquired significant portion of voting
stock.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Based on United States regulatory findings, FMR LLC, Fidelity
investments’ parent set a plan to move up a debt offering worth $250 million. <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">However, Reuters reported that the company had not provided initial
comments with regard to the matter. A filing of Securities and Exchange
Commission of United States did not also provide exact information about how
the debt sale’s proceeds would be utilized.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">On the other hand, having a personal credit card serves as an
investment as cardholders are privileged to purchase anything they want as long
as it is within their limit. It is our best friend when we run out of cash in
retail and grocery stores.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">However, do we exactly know the breakdown of our credit score
during bill time? Inevestopedia listed factors that could affect our credit
score. Unfortunately, most of us are unaware about this. <o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Little unpaid private debts carry into the credit score.
These may not be significant yet they can still add weight to credit scores.
Examples of these are library finances and parking ticket which are unreported
by a number of municipalities, according to Investopedia.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Utility bills as well as tax liens are also factors that can
make credit score heavier. Utility bills such as gas and electricity could cause
harm if ignored and remain unpaid while tax liens could linger up to 15 years
if unpaid. Giving attention to these small bills will ease and lift your credit
score.<o:p></o:p></span></div>Alnessahttp://www.blogger.com/profile/17394031079934012930noreply@blogger.com0tag:blogger.com,1999:blog-2812670464402879213.post-82896388976098328402012-02-20T05:54:00.000-08:002012-02-20T18:43:17.447-08:00Consolidate your debts to ease debt burden<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRWBNZkQkRHkLjJhC2q1oD6hPhlYN3J0eTRDBSQVnoAENZHdfQkottTi0dw5yhin3Vmh3pkHJoSZ0XmukhhsaJaI1LTRKiWhDPW9hcnQGTxlztyj9BXuHa9Bpo0ycNKvpumno8g9wOhJ19/s1600/debt+co.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="257" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRWBNZkQkRHkLjJhC2q1oD6hPhlYN3J0eTRDBSQVnoAENZHdfQkottTi0dw5yhin3Vmh3pkHJoSZ0XmukhhsaJaI1LTRKiWhDPW9hcnQGTxlztyj9BXuHa9Bpo0ycNKvpumno8g9wOhJ19/s320/debt+co.jpg" width="320" /></a></div>
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Many individuals, corporations, and nations have resort to
debt to pay for their needs. At times, they may have overlooked this and may
probably end with bankruptcy. Today, many USA companies offer debt relief programs
to help everyone ease their debt burden. Debt
relief refers to the partial or total forgiveness from debt. It will help in
slowing or stopping the growth of debt.<o:p></o:p></div>
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Most companies provide five different options for debt
relief. In this article, I will be discussing the first option called “Debt
Consolidation.” The consolidation program is made for those who are looking for
lower rates. You can also enroll in this program and have one monthly payment
included in your bills. With this program, the company acts in your behalf to
provide you reduced interest rates, low monthly payments, a single monthly
payment, reduced or waived off late fees, and most importantly, no harassing calls
from creditors. <o:p></o:p></div>
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The consolidation program is created for two purposes.
First, it is for credit card consolidation for those who cannot effectively
manage their credit cards. With the use of the credit debt relief program,
multiple credit card bills are consolidated into a single payment every month.
Many debt relief USA companies can </div>
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negotiate this with your creditors.<o:p></o:p></div>
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The second type is called bill consolidation. In this
program, companies can consolidate your medical bills, utility payments, store
cards, personal loans, and credit cards into one payment. <o:p></o:p></div>
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In simple words, debt consolidation means getting one loan
to pay many loans. The goal of this program is to simplify and lower the
interest rates of your debts. <o:p></o:p></div>Alnessahttp://www.blogger.com/profile/17394031079934012930noreply@blogger.com0